The majority of structural damage caused by a severe thunderstorm occurs if there is hail. Hail damage to structures, foliage, vehicles and agricultural crops is estimated to exceed $1 billion annually.
Roof damage from hail is frequently misunderstood, and not all houses or other buildings are impacted the same way in a storm.
- The number, size and hardness of the hailstones can affect the magnitude of hail damage.
- The velocity and direction of the wind are also factors in hail damage.
- Pitch, condition, type and age of the roof can help prevent hail damage. The steeper the roof's pitch, the less damage is expected.
- The larger the diameter of the hailstone and the harder the stone, the more severe the impact on a building.
If composition shingles do need to be repaired, a reputable roofing contractor can remove individual roofing shingles and replace them with new shingles.
The info graphic below should help you gain a better understanding of the types of hail damage and what to do after damage occurs. More information is available at the Insurance Institute for Business and Home Safety..
Discounts for Roof Age and Type
If you’ve recently replaced your roof, be sure to let your us at R Hobbs Insurance Agency know. You could qualify for a discount based on the age or type of roof covering you’ve chosen. Roofs made of clay, concrete, cement-fiber, slate or metal may be eligible for a premium credit. Or, if you’ve chosen a roof covering made of Class 4 Impact Resistant Roofing Materials, you may also receive a premium credit. Class 4 roofs meet the Underwriters Laboratories (UL) ranking for being impact resistant, meaning they hold up better against hail and wind.
If my roof is damaged, how much will my policy pay?
If you experience a covered loss to your roof, the claim payout will be based on your homeowner’s policy and any endorsements.
Generally, roof claims are paid based on replacement cost – what it costs to repair or replace the roof with similar quality materials. However, some policies may include a special actual cash value endorsement, for a discounted rate, that considers the age and condition of the roof prior to the claim when damage is caused by wind and hail. R Hobbs Insurance Agency can help you determine which type of coverage you have.
Ways to Keep Your Roof in Shape
Following are roof maintenance tips courtesy of the Insurance Institute for Business and Home Safety (IBHS):
- Clear off debris and clutter. Dead leaves and other matter collected on the roof retain moisture which can accelerate the roof’s deterioration.
- Retard the growth of mosses and mold by applying a preservative on the roof. This action may help limit the effects of moisture-related weather.
- Clean gutters and downspouts regularly to ensure water is properly draining. Full gutters will not allow the rain or melting snow to flow properly and could lead to water getting into the attic.
- Make sure downspouts slope away from the house and carry water at least five feet away from the foundation.
- Trim tree branches back at least five feet away. Regularly clear branches from the roof and around the chimney.
Illinois and Wisconsin residents, at R Hobbs Insurance Agency, we can work with you to make sure you've got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at (847) 680-0888 or send us a note at firstname.lastname@example.org. We want to help you meet your goals, and make sure what's important to you is protected!
Content Source: State Auto